Save up to 30% on your business insurance

Keep your electrical business powered up with reliable insurance coverage!

If you’re an electrician, you know that your job comes with a lot of risks. That’s why it’s essential to have the right insurance coverage for your business. Coverage Cowboy can help you get the coverage you need to protect your business from accidents, injuries, and legal fees.

Whether you’re wiring a new office building, installing a ceiling fan or repairing a broken fuse, electrician insurance can help keep your business safe and secure.
  • General Liability
  • Workers' Compensation
  • Commercial Auto
  • Commercial Property

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Electrician businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

General liability insurance for electricians provides protection if a customer is injured on the job or if a property is damaged due to the electrician’s work. It can also cover costs associated with legal action taken against the electrician, such as lawyer fees and court costs. This type of insurance is important for electricians who work on clients’ premises, as it helps protect them from the risk of financial liability.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is a must-have for electricians who use their vehicles for business purposes. It provides coverage for damage to the vehicle, liability for injuries or property damage caused by an accident, and protection for medical expenses of injured drivers or passengers. It also covers the cost of replacing tools and equipment that were in the vehicle at the time of an accident.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance covers medical costs, lost wages, and other expenses related to workplace injuries for electricians. It also provides protection against legal liability if an electrician is sued by an employee for a work-related injury. This type of insurance is important for electricians to protect their employees and their business.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance safeguards electricians’ tools, equipment, and supplies against damage or theft. It also covers any damage caused to a customer’s property while working on it, providing protection against financial loss due to claims of negligence. This type of coverage is essential for electricians who own expensive tools and equipment, as well as those who are liable for any damage caused to clients’ property.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Electrician business insurance

How does business insurance protect me?
Business insurance can protect electricians from a variety of potential risks, such as property damage, liability claims, and business interruption. Here are a few examples of how different types of business insurance can provide protection for an electrician:
Liability insurance: This type of insurance can protect an electrician from lawsuits stemming from injuries or accidents that occur on the job. For example, if an electrician is working on a customer’s property and causes an electrical fire, the customer could file a lawsuit against the electrician. Liability insurance can help cover the cost of legal fees and any settlements or judgments awarded to the injured party.
Property insurance: This type of insurance can protect an electrician from damage to their tools and equipment. For example, if an electrician’s tools are stolen or damaged, property insurance can help cover the cost of repairs or replacement.
Business interruption insurance: This type of insurance can provide coverage if the electrician is forced to close temporarily due to a covered loss. For example, if an electrical fire damages the electrician’s tools and the business is closed for repairs, business interruption insurance can help cover lost income and expenses, such as payroll, during the closure period.
Workers Compensation: This type of insurance provides protection and medical coverage for electricians that get injured or falls ill in connection to the work they are performing.
What do I need to get an insurance quote?
Getting a quote from Coverage Cowboy is a breeze! All you need to do is gather a bit of information about yourself and your insurance needs, and we’ll take care of the rest.

Here’s what you’ll need to provide to get a quote:
  • The type of services or products you offer
  • The location of your office or place of operations
  • The size of your workforce and their pay
  • The number and types of vehicles used for business purposes

These questions will help us tailor a quote that fits your specific business needs and ensure that you have the appropriate coverage in place to protect your company. With this information, our experts will be able to provide you with a quote that fits your business perfectly, providing you with the peace of mind you need to focus on what’s important – your business.
Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.